v2
latestOpenAPI 3.1.02026-07-262279731.3 MBCreate a Pay by Bank PayIn
Initiate a Pay by Bank pay-in request.
<Note icon="fa-regular fa-circle-info"> **Note – Session timeout 9 minutes**The Pay by Bank session lasts for 9 minutes, at which point the pay-in fails automatically if no action has been taken by the user. </Note>
Related: test data, guide
Path parameters
Platform's API account identifier, associated with the API key.
Headers
Bearer authentication of the form Bearer <token>, where token is your auth token.
If your platform is using a proxy to take SCA-triggering action on behalf of users, you also need to integrate mTLS authentication and use the api-mtls base URL.
Request body
Max. length: 255 characters
Custom data that you can add to this object.
The unique identifier of the user at the source of the transaction.
The unique identifier of the credited wallet.
Max. length: 255 characters
The URL to which the user is returned after the payment, whether the transaction is successful or not.
Max. length: 10 characters; only alphanumeric and spaces
Custom description to appear on the user’s bank statement along with the platform name. Different banks may show more or less information. See the <a href="/bank-statements">Customizing bank statement references</a> article for details.
Allowed values: AT, DE, DK, EE, ES, FI, FR, GB, IE, IT, LV, LT, NL, NO, PL, PT.
The country of residence of the user.
The BIC of the user's bank account, which is only returned if it was sent.
If both the IBAN and BIC are provided, one of the two authentication steps required by certain banks may be avoided.
The IBAN of the user's bank account, which is only returned if it was sent.
If both the IBAN and BIC are provided, one of the two authentication steps required by certain banks may be avoided.
Allowed values: WEB, APP
Default value: WEB
The platform environment of the post-payment flow. The PaymentFlow value combines with the ReturnURL to manage the redirection behavior after payment:
- Set the value to APP to send the user to your platform's mobile app
- Set the value to WEB to send the user to a web browser
In both cases you need to provide the relevant ReturnURL, whether to your app or website.
Allowed values: One of the supported bank names.
The name of the bank, which is only returned if it was sent.
If the BankName is provided, the user doesn't have to select their bank when they are redirected.
Allowed values: DA, CS, DE, EN, ET, ES, FI, FR, IT, LT, LV, NL, NO, PL, PT, SV
Default value: EN
The language in which the Tink open banking page is to be displayed.
Allowed values: One of the supported schemes for the Country.
Default value: The listed instant scheme for the Country. If Country is DK, there is no default and the Scheme must be specified.
The scheme to use to process the payment. Note that some banks may charge additional fees to the user for instant payment schemes.
Response
Success
Max length: 128 characters (see data formats for details)
The unique identifier of the object.
Max. length: 255 characters
Custom data that you can add to this object.
Unix timestamp (UTC) of the date and time the object was created.
The unique identifier of the user at the source of the transaction.
Returned values: CREATED, SUCCEEDED, FAILED
The status of the transaction.
The code indicating the result of the operation. This information is mostly used to <a href="/errors/codes">handle errors</a> or for filtering purposes.
The explanation of the result code.
Unix timestamp (UTC) of the date and time the status changed to SUCCEEDED, indicating that the transaction occurred. The statuses CREATED and FAILED return an ExecutionDate of null.
Returned values: PAYIN, TRANSFER, CONVERSION, PAYOUT
The type of the transaction.
Returned values: REGULAR, REPUDIATION, REFUND, SETTLEMENT
The nature of the transaction, providing more information about the context in which the transaction occurred:
- REGULAR – Relative to most of the transactions (pay-ins, payouts, and transfers) in a usual workflow.
- REPUDIATION – Automatic withdrawal of funds from the platform’s repudiation wallet as part of the dispute process (when the user has requested a chargeback).
- REFUND – Reimbursement of a transaction to the user (pay-in refund), to a wallet (transfer refund), or of a payout (payout refund, only initiated by Mangopay).
- SETTLEMENT – Transfer made to the repudiation wallet by the platform to settle a lost dispute.
The unique identifier of the credited wallet.
Default value: The unique identifier of the owner of the credited wallet.
The unique identifier of the user whose wallet is credited.
Returned values: PAY_BY_BANK
The payment type of the pay-in.
Returned values: WEB
The execution type of the pay-in.
Max. length: 255 characters
The URL to which the user is returned after the payment, whether the transaction is successful or not.
The URL to which to redirect the user to complete the payment.
Caution: This variable URL is specific to each payment. You must rely on the returned URL in full (host, path, and queries) and not hardcode any part of it.
Max. length: 10 characters; only alphanumeric and spaces
Custom description to appear on the user’s bank statement along with the platform name. Different banks may show more or less information. See the <a href="/bank-statements">Customizing bank statement references</a> article for details.
Allowed values: AT, DE, DK, EE, ES, FI, FR, GB, IE, IT, LV, LT, NL, NO, PL, PT.
The country of residence of the user.
The BIC of the user's bank account, which is only returned if it was sent.
If both the IBAN and BIC are provided, one of the two authentication steps required by certain banks may be avoided.
The IBAN of the user's bank account, which is only returned if it was sent.
If both the IBAN and BIC are provided, one of the two authentication steps required by certain banks may be avoided.
Allowed values: WEB, APP
Default value: WEB
The platform environment of the post-payment flow. The PaymentFlow value combines with the ReturnURL to manage the redirection behavior after payment:
- Set the value to APP to send the user to your platform's mobile app
- Set the value to WEB to send the user to a web browser
In both cases you need to provide the relevant ReturnURL, whether to your app or website.
Allowed values: One of the supported bank names.
The name of the bank, which is only returned if it was sent.
If the BankName is provided, the user doesn't have to select their bank when they are redirected.
Allowed values: DA, CS, DE, EN, ET, ES, FI, FR, IT, LT, LV, NL, NO, PL, PT, SV
Default value: EN
The language in which the Tink open banking page is to be displayed.
Allowed values: One of the supported schemes for the Country.
Default value: The listed instant scheme for the Country. If Country is DK, there is no default and the Scheme must be specified.
The scheme to use to process the payment. Note that some banks may charge additional fees to the user for instant payment schemes.
Possible values: PENDING_SUCCEEDED
Parameter that is only returned once the bank wire has been successfully authenticated and initiated by the user but has not yet been received by Mangopay. When the funds are received, the Status changes from CREATED to SUCCEEDED and the ProcessingStatus is no longer returned.
For non-instant schemes, processing can take up to 72 hours but is typically completed within 2 days.